Financing with IHR

Financing Provider Partners

At IHR, we understand that fertility treatments can be expensive, and we believe that everyone deserves the opportunity to start or grow their family. That's why we have partnered with several financing providers who specialize in fertility treatment financing. Our financing partners offer a range of financing options, including payment plans, loans, and lines of credit, to help make fertility treatments more accessible and affordable for our patients.

On this page, you'll find information about our financing provider partners, their financing options, and how to apply for financing. We encourage you to explore these options to find the financing solution that best fits your needs and budget. Your Patient Financial Coordinator (PFC) is also available to answer any questions you may have and help guide you through the financing process.

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Future Family

For Illinois residents, Future Family’s flexible financing plans covering all expenses including IVF and egg freezing will have you started on your fertility journey quickly and easily. Future Family’s plans offer low APR loan options and tailored benefits and expert support to suit your unique needs.

Benefits of Future Family:

  • One payment makes it super easy!
  • Competitive rates  
  • Fertility Coaches provide extra support
  • Friends and Family Plan Options
  • Bill pay management
  • (Must be a resident of IL)


To assist in our Illinois patients affording care, we have partnered with emBorrow which provides fertility financing, education and support for those seeking fertility treatments. EmBorrow is an installment financing option specifically for infertility and created by a woman who has been through the infertility process.  

Benefits of emBorrow:

  • Get qualified in minutes
  • Personalized plans
  • Comprehensive support
  • Education and resources for your journey
  • (Must be a resident of IL)


LendingClub Patient Solutions provides flexible payment plans for affordable and stress-free fertility care financing. With the option to finance up to three services, including IVF, medications, genetic testing, fertility preservation, and donor services, into one monthly payment.

Benefits of Lending Club

  • Apply from anywhere in minutes
  • One payment for up to four treatments including: medications, IVF, genetic testing, fertility preservation & donor services
  • Budget friendly payments


We've partnered with CapexMD, experts in fertility treatment financing, to offer affordable loan options for IVF and related services. This partnership allows for customized loans with competitive rates, including for medications and genetic tests, simplifying the financing process.

Benefits of CapexMD:

  • Simple, secure online application with pre-approval within 24 hours
  • Competitive interest rates and flexible loan terms (6 to 60 months)
  • Covers all fertility treatment options
  • Personalized support and guaranteed confidentiality
  • Loan eligibility for family members
  • No hidden or extra fees
  • Online calculator to help estimate your payments

IHR offers a range of fertility treatments to help increase your chances of building your family

From My Girls At The Front Desk To My Blood And Ultrasound Techs, I Can Honestly Say I'm Blessed To Have These Wonderful People In My Life.


Dr Cohen Is My Hero! We Have A Beautiful, Healthy Baby Boy Thanks To Him.


The staff, nurses, Dr. Tur-Kaspa and Dr. Cohen are so attentive, caring, thorough, and positive.


If You Read Nothing More, Please Takeaway That We Could Not Be Happier With The Care We Received From Dr. Cohen.


We are looking forward to coming back next year to have our third baby! Thank you IHR and Dr. TK!


IHR Has Been Recognized As One Of The Leading Fertility Centers, And After My Experience There, It's Easy To See Why.


Dr. Cohen - We Cannot Thank You Enough For Helping Us Conceive Our Little Angel. She's 2 Months Old Now And Every Day We Are Grateful For The Miracle You Performed.


Our Experience At The Other Clinic Left Much To Be Desired…There Was A Night And Day Difference With Dr. Tur-Kaspa.

Jennifer and Mike

We Have Undergone Treatment At Two Other Well Known Facilities In The Chicago-Land Area. Dr. Tur-Kaspa Treated Us As Individuals And Made Us Feel Totally At Ease.

Stephanie and Joe

I Have Been Trying For 6 Years And Was Not Successful. I Have Been To Different Hospitals With Nothing To Show For It. But Thanks To Dr Tur-Kaspa, I Am Proud To Say I Am Finally Pregnant.


Dr. Tur-Kaspa never gave up on us and kept our hopes alive. We have a 14 month old baby girl who has changed our lives forever.


Dr. Cohen Was Our Second RE In Our Infertility Journey And He Was Such A Breath Of Fresh Air.


My Wife And I Are So Grateful To Have Been Referred To Dr. Cohen. While Still Being Incredibly Professional, Everyone In The Office Provided A Family-Like Feel, Which I Found Comforting.


Dr. Tur-Kaspa Is One Of The Best Doctors In Town. He Is Not Only Knowledgeable But Confident And Very Attentive.


In my very first consultation with Dr. Tur-Kaspa, he said "Your success is our success". I trusted and believed him and his team from then on and am so glad I did.


I Felt Listened To... I Am Treated Like The Strong, Smart Person That I Am; I Just Need Some Expert Help Becoming Pregnant. I would very much recommend this clinic to any of my family or friends


They Always Explained The Process And Never Made Me Feel Like A Number.


I always felt like, and truly was, in the best hands. Thank you to everyone at IHR for what you've helped us have in our lives - a lovely little boy whom we are obsessed with.


Dr. Cohen and his staff were a complete blessing to our family. We just welcomed our identical twin girls this past month, and we owe it all to Dr. Cohen and the staff at IHR.


After being devastated from 2 miscarriages at a previous clinic I switched to Dr. TK. I became pregnant on my first round of IVF with him and have 6 frozen embryos.


I am so glad my OB doctor recommended IHR to anyone with infertility issues or concerns.


At IHR, the nurses and ultrasounds techs and lab techs all knew me by name... I just felt like everyone there was really rooting for me.


After more than two years of trying without success, we pursued fertility treatment with Dr. Cohen.


I'm writing this review as my infant daughter naps nearby, which would not have been possible without Dr. Tur-Kaspa and the team at IHR.


I immediately felt like he was addressing ME and MY needs, as opposed to having a protocol that may have worked for the massess.


From the very beginning, we felt strongly supported and received the very best personalized care.


It can be overwhelming but I never felt any discomfort from any procedure I had done there and I knew each was getting us closer to our goal of becoming parents.


After having no luck on our own, a friend highly recommended that we go to IHR. I am happy to say that I am currently pregnant with my first child! I do not have enough kind words to say. Everyone at IHR was wonderful.

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